Debt Collector Harassment in Reno, NV

Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Reno, Nevada there are two things to consider when thinking about debt collection: harassment and misrepresentation. The presence of either of these things constitutes debt collector harassment and may require you to take legal action against the collector.

Debt Collector Harassment in Reno, Nevada

The Nevada State Bar states that certain behaviors from collection agencies are categorized as harassment. Engaging in abusive and deceptive behavior, such as threatening violence or harm, using profanity, or falsifying information, is strictly prohibited by law. In addition, a collection agency may not telephone you continuously with the intent to harass, or telephone you at work once you or your employer has established that this is prohibited.

If you are a victim of any of these examples of harassment, you may have a right to sue the debt collector for violations of the Fair Debt Collection Practices Act (FDCPA). An experienced Reno attorney can help you identify your options and build a strong case.


Misrepresentations by a debt collector refer to someone making false claims or accusations or using false, deceptive, or misleading practices. This also includes misrepresenting any debt you may have. See some examples of this and other Illegal Debt Collection Practices below:

  • The amount of money you owe
  • False threats saying they will have you arrested
  • Saying they are an attorney if they aren’t one
  • Threats to do something that the debt collector has no intention of doing
  • Threats to take actions that are not within the confines of the law

If you think any Reno, NV debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney that understands debt collector law.

Who Are Debt Collectors?

Most people don’t know what a debt collector is until they have one incessantly calling them about paying off debt. So, who are debt collectors? Who do they work for?

Collectors come from a debt collection agency that works with creditors who are owed debts. If you have outstanding debt in Reno such as credit debt, unpaid loans, and personal loans, your creditor may contact a debt collection agency. This agency then assigns a debt collector to your case.

Residents of Reno facing debt may be contacted by a collection agency, such as Collection Service of Nevada, or Business and Professional Collection Services. Always check with the Better Business Bureau to make certain that any agency that contacts you over a debt is accredited by the state.

What Should You Do If You’ve Been Harassed By a Debt Collector In Reno, Nevada?

Step 1: Know Your Rights

If you think Reno debt collectors are harassing you, then it’s important to become familiar with the Basics of the Fair Debt Collection Practices Act. The FDCPA came in 1977 to protect consumers from collection agencies. If a debt collector violates any of the harassment or misrepresentation rules, the victim has a right to sue the collector for violation of the FDCPA.

Step 2: Collect Records

Have you been harassed in Reno, NV by a debt collector? If so, it’s important to begin to gather evidence.

According to the Nevada State Legislature, once a collection agency has received a letter from you requesting that they cease contact, they can no longer reach out to you, unless it is to tell you that the case has been turned over to a lawyer. It’s important to be as proactive as possible. Aside from retaining the services of an experienced attorney in Reno, you’ll want to gather all correspondence between you and the collection agency. Obtain copies of phone and bank records, and even record a harassing phone call. Nevada is a 1-party consent state,  so you can record without their permission.

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Reno debt collector, it’s easy to get angry and act impulsively. Unfortunately, this can cause you to say or do something detrimental to your case. Instead, try to remain calm and make all your actions deliberate and well-thought-out. Not only will this be better for keeping your stress levels low, but it will prove helpful if you go to court. You can show that you were respectful and calm while the debt collector was the one using abusive language.

Step 4: Ask for Debt Verification

If you’re constantly getting phone calls from Reno, NV debt collectors harassing you about what you owe, you need to ask for debt verification. Not only will this show whether or not they are misrepresenting your debt, but the debt collector must also stop contacting you until they provide the information you requested. Debt verification should show the amount of debt you owe and the name of the creditor. You have 30 days to dispute the validity of the debt. If you don’t dispute the debt, the creditor will assume the debt is valid.

Step 5: Contact an Attorney

If you’re the victim of debt collector harassment, it’s time to stand up and fight back. You deserve to live a life free from abusive and repetitive phone calls. Reno attorneys that understand What to Expect When Suing for Debt Collection Harassment, and local debt collection laws, can help you make this possible. If the debt collector threatens to or does take legal action regarding your outstanding debts, working with an attorney becomes even more important.

Step 6: Present Your Case

By hiring an experienced Reno, NV debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

Because harassment of this type violates both federal and state law, you’ll have to decide where to file suit. You may file in a state court, such as the Washoe County District Court. However, it may be better for your case to file in the U.S. District Court for the District of Nevada.

Lost wages due to the harassment will allow you to pursue damages before the court. But, only if you can prove the harassment was the cause of the lost wages. However, even if damages are not an option, a judge may still award you $1,000. As well, they could order the collection agency to pay the court costs and legal fees.

Work With an Experienced Reno, Nevada Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Reno, NV it’s time to put an end to it so you can move forward with life. There are laws in place to protect consumers from debt collectors. Legal assistance can help you to navigate these complex laws and defend yourself in court, if necessary.

Are you ready to find a debt collector attorney near you so you can finally fight back against the harassment? We can even help you connect with an attorney across Nevada state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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